Antique Auto Insurance For Those With Good Taste

Are you one of those lucky antique car owners? Do you like going to local meetings were people display their antique cars. Maybe you like to take your antique car to parades or national car shows? If so, how do you have that car insured? Are you paying for insurance coverage you don't need.

Antique cars have special insurance policies because they are not used like everyday cars. They are usually stored away safely most of the time and only taken out for special occasions, like parades and car shows. Heaven forbid that they get mud or grease on them from driving on a sloppy day or speeding down the highway. A few finger prints is about all they can handle. To offer their special rates, antique car insurance policies are packed with restrictions and requirements.

There are special antique auto insurance policies you can get for your antique car. They often have some restrictions such as having the car secured in a garage and that it can not be used for pleasure drives. They must only be used according to what the policy allows.

So, if you only take your car to special events to show it off you may qualify for a reduced car insurance rate. You'll have to prove to the insurance company that you really only use it as a show car. If you happen to have an accident in it while driving to work, you can expect the insurance company to deny coverage. You can expect they to strictly enforce the policy rules.

Some people confuse classic cars and antique cars. Antique cars are much older than classic cars. Classic cars only have to be 15 years old where antique cars have to be at least 25 years old. Muscle and kit cars are also different as they are used for racing speed and leisure. Antique auto insurance does not cover these muscle cars because they are at higher risk for being damaged.

If you shop around you should be able to save yourself hundreds a dollars a year by buying the right antique auto insurance policy for your beloved car. The insurance company does not have much risk because the car is kept in a safe place most of the time. Because of that, they don't have to charge you a huge annual premium.

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Before you you make your next car insurance premium payment be sure you get Rob Gormly's fantastic report on how to save 10% to 30% every year on your car insurance premium payment with the information your broker doesn't want to tell you!

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